AD&D Insurance

Additional protection for you and your familyTruStage Accidental Death and Dismemberment Insurance can be an affordable supplement to life insurance. It pays a cash benefit if an accident causes loss of life, or specific permanent injuries. Here are the details of AD&D coverage:

WHO IS ELIGIBILE? Family Horizons members ages 18 and over, their spouses,* and their unmarried, dependent (or handicapped) children are eligible. Eligibility ages and requirements for dependent and handicapped children may vary by state, so it’s best to refer to the Certificate of Insurance or call for this information. *The term spouse includes a legal partner as defined by state law.

WHAT IS COVERED? Coverage amounts are shown below. Loss must be from a covered injury within 365 days of the accident. Coverage includes 100% of no-cost Basic coverage and, if selected, a percentage (listed below) of Additional Coverage.

Percentage of
No-Cost Basic Coverage

Percentage of
Member’s Additional Coverage

Loss of Life

100%

plus

100%

Loss of two of the following: Foot, Hand or Eye

100%

plus

100%

Loss of entire sight in both eyes

100%

plus

100%

Loss of one of the following: Foot, Hand or Eye

100%

plus

50%

Loss of speech or hearing

100%

plus

50%

Loss of thumb and index finger of same hand

100%

plus

25%

Loss of thumb

N/A

Lesser of 10% or $1,000

For more information or to get a no-obligation accidental death and dismemberment quote, visit our online insurance quoting system by clicking here.